Honaker, VA · Cert 34890 · New Peoples Bankshares Inc.
State charter, Fed member · FED · 19 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
71
Asset Quality
36
Profitability
69
Liquidity
78
Efficiency
55
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Honaker, VA · Cert 34890 · New Peoples Bankshares Inc.
State charter, Fed member · FED · 19 branches
Q2 2026
Market Position · Kingsport-Bristol, TN-VA · 2026 SOD (annual) · 3.2% share · #11 of 24 inst. · $0.2B of $5.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.09% | 0.97% | 1.10% | 1.17% | 1.22% | 1.40% | 1.48% | +38 bps | |
| Return on Equity | 10.45% | 11.35% | 10.12% | 11.53% | 12.14% | 12.47% | 13.76% | 14.43% | +290 bps | |
| Net Interest Margin | 3.32% | 3.38% | 3.55% | 3.61% | 3.64% | 3.63% | 3.84% | 3.89% | +28 bps | |
| Efficiency Ratio | 70.16% | 69.95% | 70.83% | 68.32% | 67.06% | 65.99% | 61.86% | 61.26% | -706 bps | |
| Non-Interest Burden | 2.00% | 1.97% | 2.19% | 2.12% | 2.09% | 2.03% | 1.94% | 1.95% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.04% | 3.47% | 3.57% | 4.49% | 3.47% | 6.42% | 6.68% | 5.50% | +101 bps | |
| Loan Growth (YoY) | 3.22% | 3.04% | 5.03% | 8.73% | 9.42% | 7.92% | 7.84% | 5.43% | -330 bps | |
| Deposit Growth (YoY) | 8.22% | 5.08% | 4.86% | 5.18% | 4.73% | 6.01% | 6.54% | 5.79% | +61 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.63% | 0.50% | 0.67% | 0.50% | 0.44% | 0.53% | 0.43% | 0.45% | -5 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.02% | 0.04% | 0.04% | 0.13% | 0.06% | +4 bps | |
| Allowance / Loans | 1.19% | 1.17% | 1.17% | 1.14% | 1.13% | 1.14% | 1.12% | 1.12% | -2 bps | |
| Allowance Coverage of NPLs | 1.9x | 2.3x | 1.7x | 2.3x | 2.6x | 2.2x | 2.6x | 2.5x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.84% | 10.70% | 10.67% | 10.74% | 10.80% | 10.93% | 11.00% | 11.17% | +43 bps | |
| Total Risk-Based Capital | 16.90% | 16.19% | 15.86% | 15.81% | 16.05% | 16.51% | 16.38% | 16.73% | +92 bps | |
| Equity / Assets | 9.83% | 9.58% | 9.50% | 9.62% | 9.94% | 10.34% | 10.03% | 10.38% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.56% | 87.19% | 86.21% | 88.86% | 88.35% | 88.76% | 87.26% | 88.56% | -31 bps | |
| Liquid Assets / Assets | 10.28% | 6.35% | 7.56% | 5.95% | 7.30% | 6.96% | 8.13% | 7.04% | +108 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 342% | 338% | 346% | n/a | n/a | |
Honaker, VA · Cert 34890 · Peer group: banks under $1B in assets operating regionally (n=94) · New Peoples Bankshares Inc.
State charter, Fed member · FED · 19 branches
Q2 2026
Return on Assets
1.46%
Rank 24 of 94
Net Interest Margin
3.89%
Rank 41 of 94
Efficiency Ratio
61.26%
Rank 43 of 94
Equity / Assets
10.38%
Rank 43 of 94
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.46% | 0.82% | 1.19% | 1.46% | Beats 74% | 24 / 94 | ||
| Return on Equity | 14.08% | 7.85% | 11.84% | 14.03% | Beats 76% | 23 / 94 | ||
| Net Interest Margin | 3.89% | 3.42% | 3.81% | 4.18% | Beats 56% | 41 / 94 | ||
| Efficiency Ratio | 61.26% | 55.99% | 62.41% | 73.02% | Beats 55% | 43 / 94 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.45% | 0.19% | 0.47% | 1.14% | Beats 52% | 46 / 94 | ||
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.02% | 0.05% | Beats 20% | 76 / 94 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.48% | 10.28% | 11.95% | 15.07% | Beats 79% | 20 / 94 | ||
| Total Risk-Based Capital Ratio | 16.73% | 10.31% | 12.59% | 15.88% | Beats 80% | 19 / 94 | ||
| Equity / Assets | 10.38% | 8.98% | 10.21% | 11.41% | Beats 54% | 43 / 94 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.56% | 72.62% | 84.44% | 94.55% | 65th pctl | 33 / 94 | ||
| Loans / Assets | 77.84% | 62.50% | 72.84% | 78.99% | 69th pctl | 29 / 94 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||